₹25,000 Monthly SIP in Union Focused Fund for 3 Years
If you had started a ₹25,000/month SIP on 9 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using Union Focused Fund's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹10,09,729
8 Oct 2026
Absolute gain
+₹84,729
+9.2%
XIRR (annualised)
5.86%
money-weighted
The journey, month by month
Worst fall on the way
-11%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹10,28,214
Modelled at historical FD rates. The fund trailed FD by ₹18,485.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2024) | ₹3,25,000 | ₹3,64,107 | +12% |
| Year 2 (8 Oct 2025) | ₹6,25,000 | ₹6,87,381 | +10% |
| Year 3 (8 Oct 2026) | ₹9,25,000 | ₹10,09,729 | +9.2% |
Best year of the journey: Year 1 (+12% market move) · Toughest year: Year 3 (2.3%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Union Focused Fund's published NAV (source: AMFI) between 9 Oct 2023 and 8 Oct 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.